Hi, all been a while since i filed a MCOL, but looked on the site today to see the Capital one have issued an acknowledgment of service, what does this mean, do i need to worry... Any advice would be very much appreciated.. thanks Hi, no reply as yet ,would like some advice if possible... thanks

can anyone help!!!!!

Thanks for the advice guys, going to continue with the MCOL route, done the poc but got stuck on the last bit, where it says(continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. Permitted costs) what do i put for the 0.xx part.. haven't a clue, i also added on the poc that it was a credit card hope this is ok...

can anyone help, i can't continue without the advice i need...PLEASE...............

Hi, can anyone give any advice, it would be welcome. I can't file the MCOL if i am not certain what to put in the POC'S ...THANKS

Hi, been away for a couple of days so going to start MCOL tomorrow, got a few questions though. I've been reading up on the POC;s and find it confusing.. How do the court know that it's a credit card and not a bank account, do i put this in the POC. What happens if they still don't pay up.. Any advice would be much appreciated......

Hi all, well quick update. Rec'd letter from cap one on friday stating that there charges have been correctly applied to my account, they believe there charges to be fair and lawful( yeh believe what you want cap one:p). I'm now ready to file a Claim at MCOL on wednesday. Hope this is the right way to go, i'm also going to add the 8% interset too.

Hi, i need to know wether i should wait for the 4 weeks that they say it's going to take or wait the 14 days from when i sent the lba letter and start court proceedings?

do i continue with the mcol when the 14 days is up...thanks

Hi, i've just received a letter from captol one , the exact same letter that i received after i sent the prelim letter.. the letter reads... "It's going to take us a little while to look into your situation and come back with a detailed response. We'll do everything we can to get an answer to you within 4 weeks of this letter. If for someour investigations take longer than 4 weeks, we'll contact you to tell you why this is.." I've already sent the letter before action letter. What should i do now...... please help...

ok, thanks i will check out the threads and make sure i understand everything.....

ok, cheers, didn't know you could do that .

I know what you mean. I stopped paying my monthly payment(which was a measly minimum 9.00) when i started the claim, i have had none stop phone calls and mobile calls and txt's, there doin my head in... I have only missed one payment so far, surely that 9.00 isn't going to make much difference....

Don't have a clue how to go about the purchase int. What is this, and is it easy to do... Thanks

Hi SNAPPIE37, yes the letter was from that very person, how did you respond, did you send a lba, any advice would be helpful thanks...

Ok thanks i will promptly send the lba letter on wednesday, and i will keep my thread updated. Thanks for helping.

Hi, thanks for the quick responce, i was just going to go for the standard 8%. I that correct...

Hi everyone I have just started a claim against capitol one, i'm at the stage were I have sent the Preliminary approach for repayment letter and a schedule of charges sheet(i did not add the interest at this stage I hope that that's the correct way). I have recieved a response in which capitol one acknowledge my claim but they tell me that it will take 4 weeks to look into my claim and if it takes longer than 4 weeks they will write to let me know. Is this what should happen at this stage or are they just delaying. The 20th of july is the 2 week limit, should i move onto the LBA letter or just wait for them to get in touch. My charges come to 326 pounds without interest.. Any advice from anyone at the mo would be much appreciated.... Thanks..

Well i sent the appropriate letter as given above requsting yet again my bank statements, this was over 10 days ago (they have also had the 40 day limit) and i haven't heard nothing..How have they got the cheek to take the money for the cheque and then ignore my letters(i know they've recieved them as they were signed for). I am stuck now as what to do next....Please help.......................

Great..Thanks for that....

Thank you for your responce, i will send the letter asap.

Hi, i sent a request for my statements on the 27 march with a cheque for £10. The cheque was taken from my account on the 19 April. I have heard nothing from Natwest and the 40 days is now over. What do i do now...Any info would be much appreciated...

Thanks, guys(or gals), i will try these if i here nothing in the next few weeks...Thanks

Hi, Well looks like everyone's really busy, so thanks any way and I'll try find the email and CC address myself...Hopefully...Good luck to every one....

Hi, i'm not new to this site, has i have won against natwest for 2 accounts and know the drill, I've also helped many other people(friends and family) to get what there owed also. At the moment i'm attempting to reclaim charges for a natwest credit card(it won't be much maybe around £180, but it is still mine lol). I have sent my DPA request with a £10 cheque, must have been over 4 weeks ago and i've heard zilt from Natwest. I sent it to the Bishopsgate address, which i used for my bank account claim, which gave really fast responses to every letter i sent them, i even got my statements within 8 days. Is this address ok for the crdit card claim or should i been using a different address... I have read all the info on this site and there are so many different addresses, it's so confusing.. Could someone please help, i would also appreciate an email address, as i don't want to send another DPA yet and feel it would be quicker. Thanks to all who respond...